# Lively vs Navia Benefit Solutions: which do AI models recommend for HSA & FSA admin, October 2026

HR AI Recommendation Index, October 2026 Edition, HSA and FSA administrators. Two of fourteen models named Lively first on the direct prompt; zero named Navia Benefit Solutions. Page: https://hr-ai-index.com/rewards/hsa-and-fsa-administration/lively-vs-navia-benefit-solutions/

| | First-choice share | Rank | Negative rate | Labels | Models naming it |
|---|---|---|---|---|---|
| Lively | 15% | #2 of 12 | 6% | 34 | 13 of 14 |
| Navia Benefit Solutions | 4% | #7 of 12 | 17% | 18 | 11 of 14 |

## The direct prompt, model by model

- Grok 4.1 Fast: lively first (first choices: HealthEquity, Lively) (alternatives: Fidelity HSA)
- Qwen 3.7 Flash: lively first (first choices: Lively) (alternatives: Fidelity HSA, Further Health, HSA Bank, HealthEquity, Navia Benefit Solutions)
- GPT-5.4 mini: neither first, one named (first choices: Forma) (alternatives: Lively, WEX Benefits)
- Gemini 3.5 Flash: neither first, one named (first choices: Benepass, Forma) (alternatives: Fidelity HSA, Lively, Navia Benefit Solutions, Sentinel Benefits)
- DeepSeek V4 Flash: neither first, one named (first choices: HealthEquity, WEX Health) (alternatives: Fidelity HSA, Lively, Navia Benefit Solutions)
- GLM 4.7 FlashX: neither first, one named (first choices: Businessolver) (alternatives: Alegeus, Fidelity HSA, Flores, HSA Bank, HealthEquity, Lively, WEX Health)
- Muse Glimmer 30B: neither first, one named (first choices: HealthEquity) (alternatives: Allegiance, Lively, WEX Health)
- Claude Haiku 4.5: neither named (first choices: HealthEquity) (alternatives: Ameriflex, Sentinel Benefits & Financial Group, WEX Benefits)
- Perplexity Sonar: neither named (first choices: HealthEquity) (alternatives: Associated Benefits Connection / Associated Bank, Benepass, WEX Benefits)
- Mistral Small: neither named
- Llama 4 Maverick: neither named
- Kimi K2: neither named (first choices: Flores Financial Services) (alternatives: Businessolver, HealthEquity, WEX Health)
- MiniMax M2.5: neither named (first choices: HealthEquity) (alternatives: Businessolver, Further, WEX Health)
- GPT-6 Luna: neither named (first choices: WEX Benefits) (alternatives: HealthEquity)

## What the models said about Lively

- "Avoid if budget is tight: Lively for very small teams, because of the minimum monthly fee." (Perplexity Sonar, budget prompt, hard negative)
- "Why not Lively? Their $200 minimum means if you have 5 employees, you pay $40/person/month" (Qwen 3.7 Flash, budget prompt, soft negative)
- "Fidelity and Lively stand out as the strongest HSA administrators based on low or no fees" (Grok 4.1 Fast, budget prompt, first choice)
- "For HSAs, look at Lively (4.4/5 Trustpilot), Fidelity (strong investing, better service)." (Grok 4.1 Fast, negative prompt, first choice)
- "Lively: A top choice for mid-market companies that want a "tech-first" approach." (Qwen 3.7 Flash, direct prompt, first choice)

## What the models said about Navia Benefit Solutions

- "Avoid for tight budgets: Larger players like WEX or Navia (~$4+ PEPM)" (Grok 4.1 Fast, budget prompt, hard negative)
- "Businessolver or HealthEquity/Navia are the most commonly recommended names for mid-market B2B groups" (Muse Glimmer 30B, paraphrase prompt, first choice)
- "The research suggests Navia is a low-cost, solid entry point" (DeepSeek V4 Flash, budget prompt, first choice)
- "Navia if you want a broad benefits-administration package that also includes things like COBRA" (GPT-6 Luna, paraphrase prompt, alternative)

Share is the count of first choices across the direct, paraphrase, budget and scale prompts over all fourteen models, for a mid-market B2B company; rank is within the category. Comparisons are drawn for the top eight products in each category. Published under CC BY 4.0; the output is the models' output, and nothing here is a recommendation by the index.